Should low-income families buy insurance?
Low-income families have less savings and low ability to resist risks. Some low-income families often earn money by themselves and spend it by the whole family. There are few sources of economic income, and the income channel is still single. If you encounter risks, your ability to resist risks is basically zero.
Imagine an accident or a family member is seriously ill. Rich people can receive high-end treatment to save their lives because they have money. For low-income families, any accident or serious illness may be the last straw to crush the whole family, and the whole family will be in trouble. Many low-income families delay treatment and give up treatment because of insufficient medical expenses.
If there is insurance protection at this time, the problem of no money to see a doctor can be solved well. For poor families, accidents and diseases will not lead to the collapse of the whole family. Insurance may be just icing on the cake for the rich, but it is a timely help for the low-income people. Therefore, low-income families need insurance protection more.
How to buy low-income family insurance?
For low-income families, the real consideration is not whether to buy insurance, but how to buy insurance. Because it is not easy for low-income families to maintain their daily lives, every penny should be spent on the cutting edge. For buying insurance, the most important thing is to make a reasonable insurance plan.
1, social security must not be ignored.
Social security is the welfare provided by the state to our people, which guarantees our basic medical care, pension, unemployment, work injury and maternity. For enterprise employees, social security must be Ghana. For non-enterprise employees, we should buy social insurance such as urban medical insurance and new rural cooperative medical system, which can provide us with the most basic protection.
2. Commercial insurance should be guaranteed.
For low-income families, safety is the first priority. In addition to social insurance, you need to take out some commercial insurance. For example, accident insurance with low premium and high insurance coverage and millions of medical insurance can be insured to cope with the injury caused by accidents and the high medical expenses when the disease comes. Don't pay attention to old-age insurance, education insurance and other insurance too early.
3. Give priority to family economic pillar insurance.
Low-income families have limited economic conditions, so we should pay more attention to the order of insurance. We must buy insurance for the family's economic pillars in a limited way, and the sooner we buy it, the better. This not only ensures early, but also the earlier the insurance premium is insured, the cheaper it is.
The financial support of the family is guaranteed. In case of misfortune, other family members can also get an insurance money to maintain their lives in the next few years. Some families have no protection for adults and should insure their children first. If an adult is unlucky, the protection for children will be lost.
4. The insurance period can be shortened appropriately.
The cost of insurance is not only related to the insured amount, but also related to the guarantee period. For the insurance coverage, we should try our best to be higher, but it also means that our premium will be higher accordingly.
So what we can do is to shorten the insurance period and make the insurance amount as high as possible. For example, when choosing critical illness insurance, one-year consumer critical illness insurance can be given priority to ensure the needs of disease protection. You can apply for regular critical illness insurance when conditions are good. Regular critical illness insurance can also be divided into 65,438+00 years, 20 years, 30 years, or until you are 60 or 70 years old. You can apply for insurance according to your own situation.
The quota can cover the heavy expenses of future families.
For low-income families, we must pay attention to the amount of insurance and try to cover the main expenses of the family for several years.
Some people buy insurance and choose the one with cheap premium, regardless of the insured amount. When it came to use, they found that a little insurance could not solve the problem at all and regretted it.
If you insure accident insurance, you can choose 1 10,000, and the premium is not expensive; The coverage of critical illness insurance is best at 300,000, because at present, various treatments and expenses of critical illness insurance cost hundreds of thousands, and 300,000 critical illness insurance can only guarantee patients' own treatment. If the follow-up rehabilitation expenses and income loss are considered and the family is compensated, the coverage of critical illness insurance is best at 500,000 yuan.
There is also a general rule that all our premium expenses should account for 10% of the total family income. For example, your family's annual income is 6.5438+10,000 yuan, so you can take out 6.5438+10,000 yuan to buy insurance.
What kind of insurance is preferred?
1, accident insurance
No matter what happens to any family member, the loss and pain are irreparable. For the pillar of the family, the family will be hit harder, because the whole family will suddenly fall into economic crisis. If you take out accident insurance, you can greatly transfer the losses caused by accidents.
Accident insurance premiums are cheap and the insured amount is high. It can be said that it is highly leveraged insurance. For low-income families, it is very necessary to take out an accident insurance.
2. Regular critical illness insurance
For ordinary minor ailments and pains, low-income families may be able to face difficulties and cope with them freely. However, serious illness and serious illness are really unworthy of low-income families, and the high medical expenses are generally beyond the affordability of low-income families.
Therefore, taking out a regular critical illness insurance can transfer this risk to a great extent. Why is it regular critical illness insurance? Because the premium of regular critical illness insurance is the same, the insured amount is only 30% of the premium of lifelong critical illness insurance.
3. Medical insurance
Although there are urban medical insurance, new rural cooperative medical insurance and medical insurance, because there is a clear scope of medication and treatment, most of the serious illnesses are at their own expense and can only be used as basic protection.
In addition to social medical insurance, low-income families can also apply for commercial medical insurance, such as the popular million medical insurance. Take a 30-year-old man as an example, 300 yuan a year can provide millions of medical insurance. Moreover, there are no restrictions on social security drugs. Both imported drugs and self-funded drugs can be reimbursed, and they can be used together with medical insurance, and the self-funded part is even less, which can greatly reduce the economic pressure on families.
4. Term life insurance
Term life insurance is generally suitable for family financial support. For low-income families, family financial support is also applicable.
Life insurance covers death and total disability. If the insured dies or is completely disabled, the beneficiary can get a claim for life insurance. If the family's economic pillar is insured with life insurance, in case of an accident, the family can rely on this money to maintain their life in the next few years, and will not suddenly fall into the panic of losing their economic pillar.
Compared with whole life insurance, term life insurance is cheaper and more flexible.
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For low-income families, how to transfer risks is very important. The means to transfer risk is to buy insurance. Insuring a suitable insurance can not only make you spend money, but also solve a family's urgent needs at a critical moment. I hope you can gain something after reading the article!